Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,465Cash toward the purchase price.
Closing costs + prepaids$11,166Not just lender fees.
Before credits & paid funds$28,631The complete starting cash picture.
Estimated remaining funds due at closing
$28,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,465.33
Your down payment$17,465.33
Closing costs + prepaids$11,165.76
Total buyer cash needed$28,631.09
Remaining funds due$28,631.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$138.00
Prepaid interest, first (24 days)$1,307.76
Fees + prepaids$11,165.76
Your down payment is the seller’s equity. You take over the $332,035 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $28,631.09 is due at closing. Uses and sources reconcile at $360,665.76 each. Not a Closing Disclosure.